I'm not sure how to confront this line of logic.
It sounds as though you're saying the purpose of life is ultimately to make a difference in the lives of others. Fair enough. I don't disagree with that.
And it sounds like you don't see how a person's pay directly correlates to their value in the world. Again, good point. I don't disagree with this, either.
However, you say if the best flight instructors charged what they are worth, nobody could afford to learn from them. How do you figure? I totally disagree with this.
People prioritize everything in life. If they really want something, they find a way to afford it. My hourly rate is $54/hour for teaching. I'm just as busy now, maybe even busier, than when I was charging $30/hour several years ago. Money is an arbitrary number. There is no magic cutoff line where people will no longer pay it. They only have to see the value of what they're getting. My clients obviously think the time they spend with me is worth $54/hour, otherwise they wouldn't be my clients.
It's your job, as a professional, to help them see how valuable your services are. And you can do that regardless of what other pilots do. This game isn't all about flight time. It's about flight time...and how you dress, how you talk, who you know, what types of planes you've flown, how good your judgment is, how safe you'll be, how mature you are, how well you interact with people, how accurate your paperwork is, etc. That's why you, with 450 hours, can ABSOLUTELY compete with a 2000 hour pilot. You might not have the flight time, but that doesn't mean you can't excel in other areas of professionalism. You need to convince potential clients through words and actions that their plane is in better hands with you than anyone else. That decision is made on the client's end by looking at way more than flight time.
Finally, there is the simple reality of needing to survive in life. I'm not looking to get filthy rich. I'm looking to have a comfortable life where I'm not eating ramen every night and stressing about how I'm going to pay rent this month. That means I have to charge for my time. It's noble to say, "I want to make myself accessible to as many pilots as possible, for the good of the world," but you can't pay bills with noble actions. You're not being fair to yourself or respecting yourself to say otherwise. There's nothing wrong with wanting to make a living, all while making a difference in the world. That's what I do every day.